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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.05
NYSE:AF's Cash to Debt is ranked lower than
97% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.13 vs. NYSE:AF: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
NYSE:AF' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.06 Max: 0.68
Current: 0.05
0.02
0.68
Equity to Asset 0.11
NYSE:AF's Equity to Asset is ranked higher than
59% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NYSE:AF: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
NYSE:AF' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.11
Current: 0.11
0.05
0.11
Interest Coverage 0.89
NYSE:AF's Interest Coverage is ranked lower than
67% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. NYSE:AF: 0.89 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:AF' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.33 Max: 0.89
Current: 0.89
0.07
0.89
F-Score: 4
M-Score: -2.56
WACC vs ROIC
3.35%
1.73%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 29.48
NYSE:AF's Operating margin (%) is ranked lower than
53% of the 1653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.84 vs. NYSE:AF: 29.48 )
Ranked among companies with meaningful Operating margin (%) only.
NYSE:AF' s Operating margin (%) Range Over the Past 10 Years
Min: 7.57  Med: 25.51 Max: 53.96
Current: 29.48
7.57
53.96
Net-margin (%) 19.26
NYSE:AF's Net-margin (%) is ranked lower than
61% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.27 vs. NYSE:AF: 19.26 )
Ranked among companies with meaningful Net-margin (%) only.
NYSE:AF' s Net-margin (%) Range Over the Past 10 Years
Min: 5.44  Med: 17.36 Max: 36.31
Current: 19.26
5.44
36.31
ROE (%) 3.94
NYSE:AF's ROE (%) is ranked lower than
80% of the 1648 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.34 vs. NYSE:AF: 3.94 )
Ranked among companies with meaningful ROE (%) only.
NYSE:AF' s ROE (%) Range Over the Past 10 Years
Min: 2.32  Med: 5.51 Max: 13.63
Current: 3.94
2.32
13.63
ROA (%) 0.49
NYSE:AF's ROA (%) is ranked lower than
73% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. NYSE:AF: 0.49 )
Ranked among companies with meaningful ROA (%) only.
NYSE:AF' s ROA (%) Range Over the Past 10 Years
Min: 0.13  Med: 0.4 Max: 0.8
Current: 0.49
0.13
0.8
Revenue Growth (3Y)(%) -3.60
NYSE:AF's Revenue Growth (3Y)(%) is ranked lower than
78% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. NYSE:AF: -3.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NYSE:AF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.9  Med: 4.1 Max: 13.5
Current: -3.6
-8.9
13.5
EBITDA Growth (3Y)(%) 9.10
NYSE:AF's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 1237 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.00 vs. NYSE:AF: 9.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NYSE:AF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -43.4  Med: 3.8 Max: 42
Current: 9.1
-43.4
42
EPS Growth (3Y)(%) 12.80
NYSE:AF's EPS Growth (3Y)(%) is ranked higher than
66% of the 1213 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. NYSE:AF: 12.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NYSE:AF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -45  Med: 6 Max: 71.8
Current: 12.8
-45
71.8
» NYSE:AF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-28)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q3 2015

AF Guru Trades in Q3 2015

Michael Price 85,000 sh (New)
Bernard Horn 313,204 sh (+37.73%)
Jim Simons 745,359 sh (+7.15%)
Kahn Brothers 17,685 sh (unchged)
» More
Q4 2015

AF Guru Trades in Q4 2015

Mario Gabelli 21,000 sh (New)
Jim Simons 946,506 sh (+26.99%)
Kahn Brothers 17,685 sh (unchged)
Bernard Horn 313,204 sh (unchged)
Michael Price Sold Out
» More
Q1 2016

AF Guru Trades in Q1 2016

Mario Gabelli 152,000 sh (+623.81%)
Jim Simons 1,812,450 sh (+91.49%)
Kahn Brothers 17,685 sh (unchged)
Bernard Horn 298,904 sh (-4.57%)
» More
Q2 2016

AF Guru Trades in Q2 2016

Mario Gabelli 257,500 sh (+69.41%)
Bernard Horn 298,904 sh (unchged)
Jim Simons 1,629,950 sh (-10.07%)
Kahn Brothers 11,185 sh (-36.75%)
» More
» Details

Insider Trades

Latest Guru Trades with AF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Astoria Financial Corporation

SymbolPriceYieldDescription
AFPRC26.390.00

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NYSE:FBC, NAS:NWBI, NAS:BOFI, NYSE:PFS, NAS:KRNY, NAS:CFFN, NYSE:BHLB, NAS:EBSB, NAS:UBNK, NAS:FFIC, NAS:DCOM, NAS:WAFD, NAS:HMST, NAS:CASH, NAS:HONE, NAS:OCFC, NAS:WSBF, NAS:LOB, NAS:FDEF, NAS:CSBK » details
Traded in other countries:ORD.Germany,
Astoria Financial Corporation, through its wholly-owned subsidiary, Astoria Federal, attracts retail deposits from the general public and investing those deposits in mortgage loans, commercial real estate loans and mortgage-backed securities.

Astoria Financial Corporation is a Delaware corporation organized on June 14, 1993 as the unitary savings and loan association holding company of Astoria Federal Savings and Loan Association and its consolidated subsidiaries, or Astoria Federal. The Company's business is the operation of its wholly-owned subsidiary, Astoria Federal who attracts retail deposits from the general public and investing those deposits, together with funds generated from operations, main repayments on loans and securities and borrowings, mainly in one-to-four family mortgage loans, multi-family mortgage loans, commercial real estate loans and mortgage-backed securities. To a lesser degree, Astoria Federal also invests in construction loans and consumer and other loans, U.S. government, government agency and government-sponsored enterprise, or GSE, securities and other investments permitted by federal banking laws and regulations. In addition to Astoria Federal, the Company has two other subsidiaries, AF Insurance Agency, Inc. and Astoria Capital Trust I. AF Insurance Agency, Inc. is a licensed life insurance agency and property and casualty insurance broker. Through contractual agreements with various third party marketing organizations, AF Insurance Agency, Inc. makes insurance products available mainly to the customers of Astoria Federal. Astoria Federal has been, and continues to be, a community-oriented federally chartered savings association offering a number of financial services to meet the needs of the communities it serves. Its retail banking network includes multiple delivery channels including full service banking offices, automated teller machines and telephone and internet banking capabilities. The Company is subject to extensive regulation, examination and supervision by the OCC, as its primary federal regulator, by the FDIC, as its deposit insurer, and by the CFPB.

Ratios

vs
industry
vs
history
P/E(ttm) 22.18
AF's P/E(ttm) is ranked lower than
83% of the 1513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.26 vs. AF: 22.18 )
Ranked among companies with meaningful P/E(ttm) only.
AF' s P/E(ttm) Range Over the Past 10 Years
Min: 7.89  Med: 17.26 Max: 48.46
Current: 22.18
7.89
48.46
PE(NRI) 22.18
AF's PE(NRI) is ranked lower than
83% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.28 vs. AF: 22.18 )
Ranked among companies with meaningful PE(NRI) only.
AF' s PE(NRI) Range Over the Past 10 Years
Min: 7.89  Med: 17.26 Max: 48.46
Current: 22.18
7.89
48.46
Price/Owner Earnings (ttm) 18.03
AF's Price/Owner Earnings (ttm) is ranked lower than
74% of the 859 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.81 vs. AF: 18.03 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
AF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.01  Med: 13.62 Max: 45.93
Current: 18.03
4.01
45.93
P/B 0.97
AF's P/B is ranked higher than
57% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. AF: 0.97 )
Ranked among companies with meaningful P/B only.
AF' s P/B Range Over the Past 10 Years
Min: 0.5  Med: 1 Max: 2.48
Current: 0.97
0.5
2.48
P/S 3.76
AF's P/S is ranked lower than
68% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. AF: 3.76 )
Ranked among companies with meaningful P/S only.
AF' s P/S Range Over the Past 10 Years
Min: 1.3  Med: 3.2 Max: 6.58
Current: 3.76
1.3
6.58
PFCF 15.41
AF's PFCF is ranked lower than
70% of the 817 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.68 vs. AF: 15.41 )
Ranked among companies with meaningful PFCF only.
AF' s PFCF Range Over the Past 10 Years
Min: 2.22  Med: 7.35 Max: 21.72
Current: 15.41
2.22
21.72
POCF 13.91
AF's POCF is ranked lower than
74% of the 920 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.22 vs. AF: 13.91 )
Ranked among companies with meaningful POCF only.
AF' s POCF Range Over the Past 10 Years
Min: 2.12  Med: 7.02 Max: 18.71
Current: 13.91
2.12
18.71
EV-to-EBIT 35.93
AF's EV-to-EBIT is ranked lower than
89% of the 1243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.80 vs. AF: 35.93 )
Ranked among companies with meaningful EV-to-EBIT only.
AF' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.7  Med: 34.8 Max: 132.1
Current: 35.93
12.7
132.1
EV-to-EBITDA 30.98
AF's EV-to-EBITDA is ranked lower than
88% of the 1243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.39 vs. AF: 30.98 )
Ranked among companies with meaningful EV-to-EBITDA only.
AF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 12.2  Med: 31.25 Max: 91.2
Current: 30.98
12.2
91.2
PEG 33.14
AF's PEG is ranked lower than
98% of the 740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. AF: 33.14 )
Ranked among companies with meaningful PEG only.
AF' s PEG Range Over the Past 10 Years
Min: 1.52  Med: 4.88 Max: 369.5
Current: 33.14
1.52
369.5
Shiller P/E 16.60
AF's Shiller P/E is ranked higher than
51% of the 494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.76 vs. AF: 16.60 )
Ranked among companies with meaningful Shiller P/E only.
AF' s Shiller P/E Range Over the Past 10 Years
Min: 3.41  Med: 10.09 Max: 18.98
Current: 16.6
3.41
18.98

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.08
AF's Dividend Yield is ranked lower than
87% of the 2190 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. AF: 1.08 )
Ranked among companies with meaningful Dividend Yield only.
AF' s Dividend Yield Range Over the Past 10 Years
Min: 0.91  Med: 3.45 Max: 15.85
Current: 1.08
0.91
15.85
Dividend Payout 0.25
AF's Dividend Payout is ranked higher than
66% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. AF: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
AF' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.31 Max: 5
Current: 0.25
0.13
5
Dividend Growth (3y) -13.80
AF's Dividend Growth (3y) is ranked lower than
87% of the 734 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.50 vs. AF: -13.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
AF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -32.5  Med: 15.1 Max: 22.1
Current: -13.8
-32.5
22.1
Forward Dividend Yield 1.09
AF's Forward Dividend Yield is ranked lower than
90% of the 2073 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.13 vs. AF: 1.09 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.26
AF's Yield on cost (5-Year) is ranked lower than
97% of the 2538 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. AF: 0.26 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.22  Med: 0.84 Max: 3.86
Current: 0.26
0.22
3.86
3-Year Average Share Buyback Ratio -0.80
AF's 3-Year Average Share Buyback Ratio is ranked higher than
60% of the 1052 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. AF: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -34.1  Med: 0.4 Max: 7.5
Current: -0.8
-34.1
7.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.07
AF's Price/Tangible Book is ranked higher than
51% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. AF: 1.07 )
Ranked among companies with meaningful Price/Tangible Book only.
AF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.69  Med: 1.61 Max: 2.92
Current: 1.07
0.69
2.92
Price/Projected FCF 0.49
AF's Price/Projected FCF is ranked higher than
71% of the 831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. AF: 0.49 )
Ranked among companies with meaningful Price/Projected FCF only.
AF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.23  Med: 0.54 Max: 0.92
Current: 0.49
0.23
0.92
Price/Median PS Value 1.17
AF's Price/Median PS Value is ranked lower than
74% of the 1494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. AF: 1.17 )
Ranked among companies with meaningful Price/Median PS Value only.
AF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 1.24 Max: 1.94
Current: 1.17
0.48
1.94
Price/Graham Number 1.02
AF's Price/Graham Number is ranked lower than
67% of the 1398 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. AF: 1.02 )
Ranked among companies with meaningful Price/Graham Number only.
AF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.53  Med: 1.08 Max: 2.16
Current: 1.02
0.53
2.16
Earnings Yield (Greenblatt) (%) 2.71
AF's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. AF: 2.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.8  Med: 2.9 Max: 7.9
Current: 2.71
0.8
7.9
Forward Rate of Return (Yacktman) (%) 13.67
AF's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.66 vs. AF: 13.67 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -18.1  Med: 12.1 Max: 26.4
Current: 13.67
-18.1
26.4

More Statistics

Revenue (TTM) (Mil) $385.4
EPS (TTM) $ 0.65
Beta0.53
Short Percentage of Float3.16%
52-Week Range $13.92 - 18.13
Shares Outstanding (Mil)101.34
» More Articles for NYSE:AF

Headlines

Articles On GuruFocus.com
Michael Price Buys Shares in Plains GP Holdings, MSB Financial, Boardwalk Pipeline Partners Dec 30 2015 
Bernard Horn Adds to Existing Stakes in 3rd Quarter Nov 24 2015 
Who to Side With on General Electric: Peltz or Ackman? Oct 14 2015 
Notes on Thrifts and 4 Stocks to Watch May 03 2013 
Astoria Financial Corp. Reports Operating Results (10-K) Feb 25 2011 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 21,744 Shares Dec 20 2010 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 15,179 Shares Dec 20 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Aug 06 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) May 07 2010 

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ASTORIA FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 05 2016
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